KSB Commercial Bank OJSC offers women entrepreneurs a specially designed credit program, BUSINESS AIYM. The program is aimed at developing women’s entrepreneurship and expanding women’s access to financial resources in Kyrgyzstan. BUSINESS AIYM is created to support individual women entrepreneurs, businesses, and farms owned by women.

The BUSINESS AIYM credit program is intended for businesses where women hold at least a 51% ownership stake. Another requirement is that at least half of the company’s employees must be women. Through this program, the Bank aims to support projects where women play a key role in management and business development, contributing to increased economic activity among women, the growth of small and medium-sized enterprises, and the creation of new jobs for women.

Financing under the BUSINESS AIYM program can be used for working capital replenishment, equipment purchase, business expansion, as well as refinancing of previously obtained loans. The loan term ranges from 3 to 60 months. The minimum loan amount starts from KGS 500,000 or USD 5,000.

The annual interest rate in the national currency is as follows:
for loans up to KGS 2,000,000 — 19% for up to 36 months and 19.5% for up to 60 months;
for loans above KGS 2,000,000 — 18% for up to 36 months and 18.5% for up to 60 months.
For loans in US dollars, the interest rate is 10% per annum for amounts up to USD 20,000 and 9% per annum for higher amounts.

The BUSINESS AIYM credit program is part of KSB Commercial Bank’s initiatives to support entrepreneurship, expand financial inclusion, and contribute to the sustainable economic development of Kyrgyzstan.

The BUSINESS AIYM program includes:
• Free account opening
• 3 months of free account maintenance
• Internet banking setup
• Complimentary premium Visa Signature / Visa Platinum card issuance
• Opportunity to open a deposit with an increased rate (+1% to the current rate)

In addition, the program provides non-financial support, including training funded by the Bank on актуальные темы for women entrepreneurs for 6 months from the date of loan issuance.

The Bank strives to create conditions in which women entrepreneurs can confidently grow their businesses and implement new ideas.

KSB Commercial Bank is the first and only bank in the Kyrgyz Republic with Swiss capital, providing financial and advisory services to corporate, institutional, and private clients. As a member of a Swiss Financial Group and upholding Swiss banking traditions, the Bank offers optimal financial solutions and premium service. We act in your best interests.

*APR (USD) from 9.37%
APR (KGS) from 20.13%

NBKR License No. 020

Short number: 2424
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